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The Howard’s Case Study

The Howard’s Case Study

The Howard’s Case Study

Dr. Howard & Dr. Howard – Doctors

Combined Income - $700k
Net Worth - $7mm
Wealth Management Interest - Retirement Planning

After a long, successful career, James and Katherine Howard were ready to start looking into their next chapter…retirement. While they aren’t too concerned about having enough money, they do have questions about how retirement works and how to optimize their resources. They’ve saved and invested aggressively, which helped them get to this point, but are now more concerned with keeping their wealth than taking too much risk.

Combined Income - $700k
Net Worth - $7mm
Wealth Management Interest - Retirement Planning

After spending time with the Howards, we got a deep understanding of their questions, fears, and goals. We advised them on the best time for them to start taking Social Security and worked with their CPA to develop a tax-efficient distribution strategy from their rollover IRAs and other investment accounts. We discussed the difficulty of transitioning from their saving years to their spending years and showed them a plan with spending funded by a sustainable distribution rate on their portfolio. Lastly, we designed their investment portfolio to support their various financial goals without taking undue risk.

The Howard’s were empowered with their newfound peace of mind and made financial decisions with confidence. In fact, after meeting with us, they decided to retire a few years earlier than planned!

$450k+

Initial investment

$3.6m+

Current retirement funds

7 Yrs

Duration Of Investment

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Important Disclosure​: Case studies presented are hypothetical scenarios and intended for illustrative purposes only. They do not represent an actual client or an actual client’s experience, but rather are meant to provide an example of Pecaut’s process and methodology. An individual’s experience may vary based on his or her circumstances. There can be no assurance that the Firm will be able to achieve similar results in comparable situations. No portion of this case study is to be interpreted as a testimonial or endorsement of the Firm’s investment advisory services, and it is not known whether the hypothetical clients referenced approve of the Firm or its services. The information contained herein should not be construed as personal investment advice.

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